| Property | Address | Score | Level | Flood | Storm | Heat | Fire | Status |
|---|
| # | Unit Type | Monthly Rent | Occupied | Annual Rent |
|---|
| Year | Gross Rent | Vacancy | OpEx | Insurance | Debt Svc | NOI | Cash Flow | Cum. Cash Flow |
|---|
https://www.terra-metric.com
X-API-Key header./analyze
— Full climate risk analysis for a property address
{
"address": "123 Main St, Miami FL 33101", // required
"name": "Brickell Tower", // optional
"monthly_rent": 8500, // optional
"cap_rate": 0.055, // optional
"purchase_price": 1850000, // optional
"is_commercial": false, // optional
"asset_class": "multifamily", // optional
"lease_type": "nnn" // optional
}
{
"property": { "matched_address": "...", "lat": 25.77, "lon": -80.19 },
"climate": { "score": 71.4, "bucket": "High", "scores": { "flood":82, "storm":68, "heat":55, "wildfire":8 }},
"valuation": { "base_value": 1850000, "adjusted_value": 1409000, "pct_change": -23.8 },
"market_data": { "blended_value": 1920000, "blended_confidence": "High (4 sources)" }
}
/ai-analysis
— AI-generated deal narrative (Pro)
{
"address": "...", "score": 71.4, "bucket": "High",
"scores": { "flood":82, "storm":68, "heat":55, "wildfire":8 },
"base_value": 1850000, "adjusted_value": 1409000
}
// Returns: { "analysis": "This property carries..." }
/county/{geoid}
— County-level NRI hazard data
GET /county/12086 // Miami-Dade FIPS
// Returns: { "flood":78, "storm":71, "heat":62, "wildfire":5, "composite":68.4 }
/comparables
— Comparable property values by county
GET /comparables?lat=25.77&lon=-80.19&geoid=12086&score=71.4
// Returns: { "comparables": [{ "estimated_value": 1750000, "estimated_score": 69.2 }] }
Terra-metric produces a composite climate risk score on a 0–100 scale by combining four independently sourced hazard scores using a configurable weighted average. The default weights reflect academic literature on US property loss exposure.
When financial inputs are provided, Terra-metric adjusts property value using a NOI-based cap rate model. Climate risk increases the effective cap rate (reducing value) and adjusts insurance and vacancy assumptions.
| Scenario | Insurance Δ | Cap Rate Δ | Vacancy Δ | OpEx Δ |
|---|---|---|---|---|
| Low | +5% | +0.10% | +0.0% | +0.0% |
| Moderate | +25% | +0.40% | +0.5% | +1.0% |
| High | +60% | +1.00% | +1.5% | +3.0% |
Annual insurance cost is estimated from FEMA flood zone, property value, and state-level hazard exposure. Estimates are indicative only — actual premiums depend on building characteristics, coverage limits, and carrier.
| Flood Zone | Annual Premium Range (per $1M value) | Notes |
|---|---|---|
| Zone X | $800 – $2,000 | Standard HO policy, no NFIP required |
| Zone X500 | $1,500 – $4,000 | Preferred risk NFIP available |
| Zone A / AE | $4,000 – $12,000 | NFIP mandatory for federally-backed loans |
| Zone V / VE | $8,000 – $25,000 | Coastal high-velocity; private market often required |
All scores should be validated with independent assessments for material investment decisions. Terra-metric scores do not constitute investment advice, engineering assessments, or insurance recommendations. Wildfire risk is sourced at property level via USDA WUI zone classification and NIFC historical fire perimeters, with NRI county as fallback when neither source returns data. Heat scores include both 30-year historical baselines and 2050 forward projections under NOAA CMIP6 / NASA NEX-GDDP moderate (RCP 4.5) and high (RCP 8.5) emissions scenarios. All scores should be validated with independent assessments for material investment decisions.